Betania 1A Group

Apner N. is forty-two years old. He leads a group of 10 people, which is called Betania 1a Group. He lives in Nekmese - Naet, Kupang District, East Nusa Tenggara Province in Indonesia. The income source of the community in Nekmese Naet village is the agricultural sector. To earn money, Apner usually sells bananas, cucumbers, vegetables, cassavas, corns and coconuts in the traditional market as well as the markets in Kupang City, but he feels that the income that he earns is not enough to meet his family needs. Apner is a married man and has 4 children who are: Ricki N. 15 years old - in Junior High School Grade 3; Frengki N. 13 years old - in Elementary School Grade 6; Nonci N. 11 years old who has suffered from deafness since she was born. Apner can not send her to school because there is no school for deaf people in this village. And the last one is Reni N. 5 years old – who studies in the Kindergarten.

As a farmer, Apner wants to improve his income by running another business. He is interested in the cattle fattening program because it can generate a large profit. Apner is requesting Rp. 3,300,000 to buy cattle to be fattened. The same as Apner, the other group members are also requesting loans from TLM to buy cattle to be fattened over the 12 month period. They will repay the initial cost of the cattle and get the profit after selling the cattle.

Note: The group picture was taken separately because 4 members of this group are involved in building the church in their village. Yurita also wasn't present when the group picture was taken, so her husband replaced her in the group picture.

Additional Information

About Tanaoba Lais Manekat

This loan is administered by Tanaoba Lais Manekat (TLM). TLM is a microfinance institution that seeks to improve the quality of life of poor communities in the province of Nusa Tenggara Timur in Indonesia. TLM has been operating since 1995 and, in addition to providing microloan and savings services, provides client training on financial management and entrepreneurship.

TLM’s head office is based in Kupang, West Timor, Indonesia. Kupang is the capital city of Nusa Tenggara Timur province in eastern Indonesia. Nusa Tenggara Timur is the province with the least favorable social and economic statistics of all the 33 Indonesian provinces.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.